← Part of ICICI Credit Cards in India
The ICICI Bank Coral Credit Card is a popular entry-level card in India, offering a 45% per annum interest rate (3.75% monthly) as of 2026. IT targets new-to-credit individuals and frequent spenders, providing benefits across movies, dining, and travel categories.
| Parameter | Details |
|---|---|
| Card Type | Entry-level credit card |
| Target Audience | New-to-credit individuals, frequent shoppers and travelers in India |
| Annual Fee (2026) | ₹500 (waived if spending ₹1.5 lakh in previous calendar year; lifetime free for pre-approved RuPay variant via iMobile Pay) |
| Joining Fee | ₹500 (waived for pre-approved RuPay offer via iMobile Pay) |
| Key Benefits | Reward points, domestic airport and railway lounge access, movie offers, dining discounts, fuel surcharge waiver |
| Network Variants | Visa, RuPay, Mastercard, American Express |
| Interest Rate (2026) | 45% per annum (3.75% per month) |
| Movie Offer (2026) | Up to 25% off (max ₹100) on 2 tickets via BookMyShow and INOX, twice monthly (requires ₹25,000 spend in preceding quarter for eligibility from Apr 1, 2026) |
| Domestic Airport Lounge Access | 1 complimentary access per quarter (requires ₹75,000 spend in previous calendar quarter for eligibility from Apr 1, 2026) |
| Railway Lounge Access | 1 complimentary access per quarter to select railway lounges in India |
| Reward Points (Retail) | 2 points for every ₹100 spent on retail transactions |
| Reward Points (Utility/Insurance) | 1 point for every ₹100 spent on utility and insurance payments |
| Maximum Bonus Reward Points | Up to 10,000 payback points annually under Milestone Program |
| Fuel Surcharge Waiver | 1% at HPCL petrol stations (for transactions up to ₹4,000, via ICICI Merchant Services machines) |
| Dining Discounts | 15% or more at 2,500+ restaurants across 12 major Indian cities via Culinary Treats Program |
| Minimum Age (Primary Cardholder) | 21 years (23 years for Jet Airways variant and general ICICI Bank credit cards) |
| Minimum Age (Add-on Cardholder) | 18 years |
| Minimum Monthly Income | ₹20,000 (for basic credit cards in India) |
| Minimum Annual Income (Self-employed) | ₹3 lakh (as per last IT returns document for general ICICI Bank credit cards) |
| Security Features | Microchip for protection, PIN for card swipe, 3D Secure for online purchases |
| Personal Insurance Cover (RuPay variant) | ₹2 Lakhs |
The card’s low annual fee and diverse benefits make IT a strong contender for individuals seeking to build credit and maximize savings on everyday spends in India.
ICICI Bank Coral Credit Card in India: Types, Categories & Key Components Explained
The ICICI Bank Coral Credit Card is an entry-level card available in four network variants: Visa, RuPay, Mastercard, and American Express. IT offers a low annual fee of ₹500, with potential for waiver on annual spends of ₹1.5 lakh, making IT accessible for new-to-credit individuals in India.
| Type/Category | Details | Key Feature |
|---|---|---|
| Entry-Level Credit Card | Targeted towards individuals new to credit, offering a straightforward path to building a credit history. | Low annual fee of ₹500, often waived on annual spends of ₹1.5 lakh in the previous calendar year. |
| Contactless Credit Card | Offers quick and secure transactions by simply tapping the card at compatible terminals. | Features a microchip for d protection and requires a PIN for card swipe transactions. |
| Network Variants | The Coral Credit Card is available across four major payment networks in India. | Options include Visa, RuPay, Mastercard, and American Express, providing broad acceptance. |
| Travel Benefits | Provides complimentary access to select airport and railway lounges within India. | 1 complimentary domestic airport lounge access per quarter (on spending ₹75,000 in previous quarter); 1 complimentary railway lounge access per quarter. |
| Entertainment Benefits | Offers discounts on movie ticket bookings through popular platforms. | Up to 25% discount on movie tickets via BookMyShow and INOX, with specific spend criteria for eligibility (e.g., ₹25,000 spend in preceding quarter for benefits from Apr 1, 2026). |
| Dining Benefits | Cardholders receive exclusive dining deals and offers at partner restaurants. | Discounts of 15% or more through the ICICI Bank Culinary Treats Programme at over 2,500 restaurants across 12 major Indian cities. |
| Fuel Benefits | Provides a waiver on fuel surcharge at specific petrol stations. | 1% fuel surcharge waiver at HPCL petrol stations for transactions up to ₹4,000, when paid via ICICI Merchant Services’ card swipe machines. |
| Reward Program | Earns reward points on various retail transactions and specific spending categories. | 2 reward points for every ₹100 spent on retail, 1 point for every ₹100 on utility and insurance payments, with up to 10,000 bonus points annually. |
| Security Features | Equipped with advanced security measures to protect cardholder information. | Includes a microchip for protection against counterfeiting and duplication, requiring a PIN for all swipe transactions. |
| RuPay Variant Specific | The RuPay variant offers additional benefits tailored for the Indian market. | Can be linked to UPI for payments, includes a personal insurance cover worth ₹2 lakhs, and may be lifetime free for pre-approved existing ICICI customers. |
| ICICI Bank HPCL Coral Credit Card | A co-branded variant focused on fuel savings and rewards. | Up to 3.5% fuel savings (2.5% cashback + 1% surcharge waiver) at HPCL outlets on transactions of ₹4,000 or more. |
| ICICI Bank NRI Coral Credit Card | Designed for Non-Resident Indians, offering specific benefits for their needs. | 2 complimentary lounge visits per quarter and 3 UBER vouchers worth ₹100 each. |
| InterMiles ICICI Bank Coral Credit Card | A travel-focused co-branded card for earning InterMiles. | 2,500 bonus InterMiles upon joining and 1,250 annual bonus InterMiles upon renewal. |
| Jet Airways ICICI Bank Coral VISA Credit Card | Another travel co-branded card, offering benefits for Jet Airways travel. | Minimum age for primary cardholder is 23 years, and 18 years for add-on cardholders. |
The ICICI Bank Coral Credit Card provides a balanced mix of rewards and lifestyle benefits across its various types, catering to diverse spending habits and preferences for Indian residents.
ICICI Bank Coral Credit Card in India: Key Statistics & Data Points for 2026
The ICICI Bank Coral Credit Card carries an annual fee of ₹500, which can be waived if you spend ₹1.5 lakh in the preceding calendar year. As of 2026, the card offers a 1% fuel surcharge waiver at HPCL stations and up to 25% discount on movie tickets via BookMyShow and INOX.
| Metric | Value | Source |
|---|---|---|
| Annual Fee | ₹500 | ICICI Bank official website (as of 2026) |
| Joining Fee | ₹500 (No joining fee for pre-approved RuPay offer via iMobile Pay) | ICICI Bank official website (as of 2026) |
| Annual Fee Waiver Condition | Spend ₹1.5 Lakhs in the previous calendar year | ICICI Bank official website (as of 2026) |
| Interest Charge (Annual) | 45% per annum (40.80% for Coral RuPay variant) | ICICI Bank official website (as of 2026) |
| Interest Charge (Monthly) | 3.75% per month (3.40% for Coral RuPay variant) | ICICI Bank official website (as of 2026) |
| Reward Points (Retail Transactions) | 2 points for every ₹100 spent | ICICI Bank official website (as of 2026) |
| Reward Points (Utility & Insurance) | 1 point for every ₹100 spent | ICICI Bank official website (as of 2026) |
| Reward Earning CAP (Monthly Spends) | ₹10,000 for Platinum and Coral cardholders | ICICI Bank official website (as of 2026) |
| Fuel Surcharge Waiver | 1% (up to ₹4,000 transaction at HPCL outlets) | ICICI Bank official website (as of 2026) |
| Complimentary Domestic Lounge Access | 1 per quarter (on spending ₹75,000 in previous calendar quarter) | ICICI Bank official website (as of 2026) |
| Complimentary Railway Lounge Access | 1 per quarter | ICICI Bank official website (as of 2026) |
| Movie Ticket Discount (BookMyShow/INOX) | Up to 25% (up to 2 tickets, max ₹250 each, per month) | ICICI Bank official website (as of 2026) |
| Movie Offer Spend Eligibility (Apr 1 – Jun 30, 2026) | Spend ₹25,000 between Dec 26, 2025 and Mar 25, 2026 | ICICI Bank official website (as of 2026) |
| Dining Discount (Culinary Treats Program) | 15% or more at 2,500+ restaurants | ICICI Bank official website (as of 2026) |
| Maximum Bonus Reward Points Annually | 10,000 payback points under Milestone Program | ICICI Bank official website (as of 2026) |
| Personal Insurance Cover (RuPay variant) | ₹2 Lakhs | ICICI Bank official website (as of 2026) |
| Minimum Age for Primary Cardholder | 21 years (23 years for Jet Airways Coral variant) | ICICI Bank official website (as of 2026) |
| Maximum Age for Primary Cardholder | 65 years | ICICI Bank official website (as of 2026) |
| Minimum Monthly Salary Required | ₹20,000 (for basic Credit Cards in India) | ICICI Bank official website (as of 2026) |
| Minimum Annual Income (Self-employed) | ₹3 lakh (as per last IT returns) | ICICI Bank official website (as of 2026) |
The ICICI Bank Coral Credit Card provides a balanced set of benefits for an entry-level card, with its annual fee waiver and various discounts making IT a competitive option for everyday spending in 2026.
How ICICI Bank Coral Credit Card in India Works: Process, Steps & Key Details
Applying for the ICICI Bank Coral Credit Card in 2026 involves a straightforward online process, primarily through the bank’s official website or the iMobile Pay app. Applicants generally need to be between 21 and 65 years old, with a minimum monthly salary of ₹20,000 for basic credit cards in India.
The application requires specific documents and an eligibility check to ensure compliance with ICICI Bank’s criteria.
- Eligibility Verification: Applicants for the ICICI Bank Coral Credit Card must be in the age group of 21 to 65 years. A minimum annual income of ₹2.5 lakh is typically required for the ICICI Coral Credit Card.
- Document Collection: documents include identity proof (Aadhaar card, PAN card, Passport, Voter’s ID), address proof (Water bill, Electricity bill, or other utility bills), and income proof (last three months’ salary slips or bank statements).
- Online Application Portal: The primary application method is through the ICICI Bank official website by navigating to the Credit Card section. Alternatively, existing ICICI Bank customers can apply via the iMobile Pay app or Internet Banking.
- Form Completion: Applicants must accurately fill out the online application form with personal, financial, and employment details. This step includes reviewing all terms and conditions before submission.
- Specific Card Variants: ICICI Bank offers several Coral variants, including HPCL Coral, Coral RuPay, NRI Coral, and Jet Airways Coral. Each variant may have slightly different application flows on the ICICI Bank website.
- Pre-Approved Offers: Existing ICICI Bank customers might receive pre-approved Coral RuPay offers via iMobile Pay, potentially making the card lifetime free with no joining or annual fees.
- Security Features: All ICICI Bank Coral Credit Cards come with a microchip for d protection, require a PIN for card swipe transactions, and support 3D Secure for online purchases.
- Application Status: After submission, applicants can track the status of their ICICI Bank Credit Card application online through the bank’s portal.
The ICICI Bank Coral Credit Card offers a secure and convenient way to manage finances, with various benefits across shopping, dining, and travel categories.
ICICI Bank Coral Credit Card in India: Benefits, Advantages & Why Students Choose IT
The ICICI Bank Coral Credit Card offers a low annual fee of ₹500, making IT an accessible entry-level option for new cardholders in India. IT provides benefits across movies, dining, travel, and retail, helping users build a credit history while earning rewards. This card is particularly attractive due to its diverse features and nominal charges.
- Reward Points: Cardholders earn 2 reward points for every ₹100 spent on retail transactions. For utility and insurance payments, 1 reward point is accrued for every ₹100 spent.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available at HPCL petrol stations across India, applicable on transactions up to ₹4,000. This offers savings on daily fuel expenses.
- Movie Discounts: Users can get up to 25% discount on movie tickets booked through BookMyShow and INOX. This benefit helps reduce entertainment costs throughout the year.
- Dining Privileges: The card provides a minimum of 15% discount at over 2,500 restaurants across 12 major Indian cities through the ICICI Bank Culinary Treats Programme. This dining experiences for cardholders.
- Complimentary Lounge Access: Cardholders receive 1 complimentary domestic airport lounge access and 1 complimentary railway lounge access per quarter. This benefit requires a spend of ₹75,000 or more in the preceding calendar quarter for airport lounge access (effective January 1, 2025).
- Milestone Program: The card offers up to 10,000 bonus reward points annually under its Milestone Program, rewarding consistent spending. This helps accumulate points faster for redemption.
- Security Features: Each card includes a microchip for d protection and requires a PIN for card swipe transactions. 3D Secure technology is also integrated for secure online purchases.
The ICICI Bank Coral Credit Card provides a balanced set of benefits for everyday spending, travel, and entertainment, making IT a practical choice for individuals seeking a feature-rich yet affordable credit card in 2026.
ICICI Bank Coral Credit Card in India: Vs Alternatives: Which Option is Best?
The ICICI Bank Coral Credit Card an entry-level option, offering benefits like lounge access and movie discounts for an annual fee of ₹500 (as of 2026). For comparison, the ICICI Bank Platinum Credit Card has no annual fee, while the Rubyx Credit Card charges ₹3,000 annually for d benefits.
| Feature | ICICI Bank Coral Credit Card | ICICI Bank Platinum Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|---|
| Card Type | Entry-level lifestyle card | Basic Credit Card | Mid-level lifestyle card |
| Annual Fee (2026) | ₹500 (waived on ₹1.5 lakh annual spend) | No joining or annual fee | ₹3,000 |
| Lounge Access | 1 complimentary domestic airport lounge access per quarter (on ₹75,000 spend in previous quarter); 1 complimentary railway lounge access per quarter | Not specified | 2 complimentary domestic airport lounge access per quarter |
| Movie Offers | Up to 25% discount on BookMyShow and INOX (on ₹25,000 spend in preceding quarter for benefit between Apr 01, 2026 and June 30, 2026) | Great discounts on movies | Discounted movie tickets |
| Fuel Surcharge Waiver | 1% across all HPCL petrol stations in India (for transactions up to ₹4,000) | Not specified | Not specified |
| Reward Points | 2 points for every ₹100 spent on retail; 1 point on utility/insurance | ICICI Bank reward points on every spend (except fuel) | Higher reward points on specific categories |
| Target Audience | New-to-credit individuals, frequent shoppers and travelers, beginners wanting basic lifestyle benefits | Basic Credit Card users | Mid-level lifestyle category users |
| Minimum Age (Primary) | 21 years | 23 years | 23 years |
| Minimum Monthly Salary | ₹20,000 (for basic credit cards) | ₹20,000 (for basic credit cards) | Higher than basic cards |
| Security Features | Microchip, PIN for swipe, 3D Secure for online purchases | Standard security features | d security features |
The Coral Credit Card offers a balanced set of benefits for its annual fee, making IT a strong contender for those seeking a value-for-money card with travel and entertainment perks in 2026.
Common Misconceptions About ICICI Bank Coral Credit Card in India
Many users misunderstand key aspects of the ICICI Bank Coral Credit Card, especially its annual fee waiver and lounge access criteria. The card offers a 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000, not all fuel stations.
Here are common misconceptions about the ICICI Bank Coral Credit Card:
- Misconception 1: The card is always free. The ICICI Bank Coral Credit Card has an annual fee of ₹500. This fee is waived only if you spend ₹1.5 lakh or more in the preceding calendar year.
- Misconception 2: Lounge access is automatic. Complimentary domestic lounge access (1 per quarter) requires a minimum spend of ₹75,000 in the previous calendar quarter.
- Misconception 3: All variants offer UPI linking. Only the RuPay variant of the ICICI Bank Coral Credit Card can be linked to UPI for payments, a feature not available on Visa, Mastercard, or AmEx variants.
- Misconception 4: Movie discounts apply to all bookings. The up to 25% discount on movie tickets is specifically for BookMyShow and INOX platforms, and often requires meeting a spend threshold like ₹25,000 in the preceding quarter for certain offers.
- Misconception 5: Fuel surcharge waiver is universal. The 1% fuel surcharge waiver is applicable only at HPCL petrol stations for transactions up to ₹4,000, and requires payment through ICICI Merchant Services’ card swipe machines.
- Misconception 6: Reward points are earned on all spends equally. While retail transactions earn 2 points per ₹100, utility and insurance payments earn only 1 point per ₹100, with a monthly CAP of ₹10,000 for reward earning on these categories for Coral cardholders (as of 2026).
Understanding these specific conditions helps cardholders maximize the benefits of their ICICI Bank Coral Credit Card in 2026.
What to Do Next: Actionable Steps
Applying for the ICICI Bank Coral Credit Card in 2026 involves verifying eligibility and submitting an online application. The card is designed for individuals seeking a low-maintenance option with benefits across dining, movies, and travel.
The minimum monthly salary requirement for basic credit cards in India, including the Coral variant, is typically ₹20,000.
- Check Eligibility: Ensure you meet the age criteria of 21 to 65 years and have a minimum monthly salary of ₹20,000 (or annual income of ₹2.5 lakh for the ICICI Coral Credit Card).
- Gather Documents: Collect necessary identity proof (Aadhaar, PAN, Passport), address proof (utility bills), and income proof (last three months’ salary slips or bank statements).
- Apply Online: Visit the official ICICI Bank website or use the iMobile Pay app to to the Credit Card section. Select the Coral Card option and complete the online application form.
- Consider RuPay Variant: Existing ICICI Bank customers may receive a pre-approved Coral RuPay offer via iMobile Pay, making the card lifetime free with no joining or annual fees.
- Understand Movie Offers: To avail movie offer benefits between April 1, 2026, and June 30, 2026, ensure a spend of ₹25,000 or more between December 26, 2025, and March 25, 2026.
- Review Lounge Access Criteria: For complimentary domestic lounge access in a calendar quarter, spend ₹75,000 or more on your Coral Credit Card in the preceding calendar quarter (effective January 1, 2025).
Key Takeaways
- The ICICI Bank Coral Credit Card has an annual fee of ₹500, which can be waived if you spend ₹1.5 lakh in the previous calendar year.
- Cardholders can earn 2 reward points for every ₹100 spent on retail transactions and 1 point for utility and insurance payments (up to ₹40,000 per month for specific MCCs).
- Benefits include 1 complimentary domestic lounge access and 1 railway lounge access per quarter, subject to spending ₹75,000 in the prior quarter.
Check your eligibility and apply for the ICICI Bank Coral Credit Card directly on the official ICICI Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of the ICICI Bank Coral Credit Card in 2026?
The ICICI Bank Coral Credit Card offers rewards on retail spends, complimentary airport and railway lounge access, movie offers, and dining discounts. IT is an entry-level card with a low annual fee, suitable for building a credit score while earning benefits. The card also provides rewards on utility and insurance payments, categories often excluded by other cards.
What is the annual fee for the ICICI Bank Coral Credit Card in 2026?
The ICICI Bank Coral Credit Card charges a low annual fee of ₹500, making IT a cost-effective option for cardholders. This fee structure positions IT as a suitable choice for individuals seeking a low-maintenance credit card. Always verify the latest fee structure on the ICICI Bank website as of your application date.
How can I get complimentary airport lounge access with the ICICI Bank Coral Credit Card in 2026?
To receive complimentary domestic airport lounge access, you must spend ₹75,000 or more on your Coral Credit Card in a calendar quarter. This spend qualifies you for lounge access in the subsequent calendar quarter, as per ICICI Bank rules effective April 1, 2026. This benefit is exclusively for the primary cardholder.
Does the ICICI Bank Coral Credit Card offer railway lounge access?
Yes, the ICICI Bank Coral Credit Card provides complimentary access to select railway lounges across India. Cardholders receive 1 complimentary access to these railway lounges every quarter. This benefit travel experiences for those using train services.
What movie offers are available with the ICICI Bank Coral Credit Card in 2026?
The ICICI Bank Coral Credit Card offers movie benefits, typically tied to spending thresholds. For example, spending ₹25,000 between December 26, 2025, and March 25, 2026, could unlock movie offers between April 1, 2026, and June 30, 2026. Specific offers and terms are updated quarterly by ICICI Bank.
Can I use the ICICI Bank Coral Credit Card for international online purchases?
Yes, you can use the ICICI Bank Coral Credit Card for online purchases across India and in select overseas stores. This feature allows for convenient international transactions, expanding your shopping options. Always check for any applicable foreign transaction fees before making international purchases.
Is the ICICI Bank Coral Credit Card suitable for new-to-credit individuals?
Yes, the ICICI Bank Coral Credit Card is an entry-level card specifically targeted towards new-to-credit individuals. Its decent reward rate and low annual fee of ₹500 make IT a suitable choice for building a credit score. The card offers benefits across various spending categories, aiding in financial savings.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.